Justin McHood - BuyAgainAfter.com

Many people in the last few years have went through a foreclosure or a short sale and are now looking to buy again after a foreclosure in 2013.
Having went through a foreclosure, you know how important home ownership is and how it feels to lose a home. You also know that when you went through a foreclosure, your credit score took a big hit and you have probably worked hard since your foreclosure to repair your credit and get it to a spot where you are thinking you might … [Read more...]

As many as three million borrowers with government-insured mortgages may be eligible for lower borrowing costs when they participate in streamlined Federal Housing Administration (FHA) refinancing, according to the White House Administration on Tuesday, March 6.
The fresh round of changes from the administration affects loans the Federal Housing Administration insures and would reduce fees on those mortgages for borrowers previously unable to borrow at lower … [Read more...]

Getting a collection item on your credit report will have undesirable effects on your FICO score. There are ways you can take control of the situation and remedy or remove the collection account altogether from your credit history. Here’s what we’ll cover:
What’s a collection?
How do I fix a collection?
How does a collection item affect my FICO score?
Collections: So What Are They Exactly?
An account is in “collections” when the past-due amount is purchased by a … [Read more...]

Many years ago the Paradise Valley real estate market saw an influx of veterans and families of veterans relocating to the area. This may be particularly useful information. The VA streamline refinance loan, or IRRRL, has a number of benefits to veterans wanting to refinance their VA loan. It requires little paperwork, but there are a few documents that are required to process this loan. One of these documents is the veterans DD 214 form .
What is the veterans DD-214? It … [Read more...]

When inquiring about a mortgage on this site, this is not a mortgage application. Upon the completion of your inquiry, we will work hard to match you with a lender who may assist you with a mortgage application and provide mortgage product eligibility requirements for your individual situation.

Any mortgage product that a lender may offer you will carry fees or costs including closing costs, origination points, and/or refinancing fees. In many instances, fees or costs can amount to several thousand dollars and can be due upon the origination of the mortgage credit product.

When applying for a mortgage credit product, lenders will commonly require you to provide a valid social security number and submit to a credit check . Consumers who do not have the minimum acceptable credit required by the lender are unlikely to be approved for mortgage refinancing.

Minimum credit ratings may vary according to lender and mortgage product. In the event that you do not qualify for a credit rating based on the required minimum credit
rating, a lender may or may not introduce you to a credit counseling service or credit improvement company who may or may not be able to assist you with improving your credit for a fee.